| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPP, LARRY K3 | BLDG 26-250 1640 POWERS FERRY RD SE MARIETTA, GA 30067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | $9K | $62K | 8.93% |
| STEPP, LARRY K3 | BLDG 26-250 1640 POWERS FERRY RD SE MARIETTA, GA 30067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $8K | $56K | 8.96% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | BLDG 26 STE 250 1640 POWERS FERRY RD SE MARIETTA, GA 30067 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 6.94% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 111 MAYBELLE ST CARTERSVILLE, GA 30120 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 1.77% |
| STEPP, LARRY K3 Filed as: STEPP, LARRY K. | BLDG 26-250 1640 POWERS FERRY RD SE MARIETTA, GA 30067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $3K | $20K | 8.94% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1640 POWERS FERRY RD BUILDING 26, SUITE 250 MARIETTA, GA 30067 | HYATT LEGAL PLANS | $4K | $63 | $4K | 10.33% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 1,709 | $262K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 668 | $228K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,317 | $689K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,692 | $663K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,692 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.